Allstate insurance recently announced it is offering a claim satisfaction guarantee for Allstate‘s standard auto insurance customers, with an insurance premium credit applied to the car insurance policies of customers dissatisfied with how their auto insurance claim was paid.
Some of the buzz on the Internet from insurance agents is customers are often dissatisfied with their auto insurance claim, either justly or unjustly, and this claims satisfaction guarantee will cost Allstate a lot of money.
I’ve reviewed the terms and conditions for the claims satisfaction guarantee, and I will explain them in this blog post, as I understand them. There are press releases & articles on the Web announcing Allstate‘s new claim satisfaction guarantee, but none of them go into detail about the amount of the insurance premium credit Allstate will give customers dissatisfied with their auto claims, so I will tell you more about it, and what I think you should do to avoid having a problem getting the claim satisfaction guarantee premium credit.
My analysis of Allstate‘s claims satisfaction guarantee is my interpretation, and the actual rules & availability will vary by state. If you are insured with Allstate, contact your agent to find out how this new claim satisfaction guarantee applies to you.
Allstate‘s claim satisfaction guarantee will be available in 31 states:
Alabama, Arizona, Colorado, District of Columbia, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Michigan, Minnesota, Mississippi, Montana, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, & Wyoming.
More states will be added in 2012.
Allstate had a pilot program in 2011, so if you live in Georgia, Indiana, Ohio, or Michigan, you may already have the claim satisfaction guarantee. Contact Allstate or your Allstate agent to find out if you have it, or if it is available to you.
The terms & conditions for the claim satisfaction guarantee vary by state. I reviewed the one terms and conditions applying to all the states but Illinois, Montana, Texas, & Michigan’s 12 month Allstate auto insurance policies. Contact your agent to confirm how and if the claim satisfaction guarantee applies to your Allstate car insurance policy.
With the exception of Texas, which is supposed to offer the claim satisfaction guarantee on all Allstate auto insurance policies, Allstate will provide the claim satisfaction guarantee on Allstate‘s standard auto insurance companies, at no additional cost, in the states where the guarantee is available.
Specifically, the Allstate website mentions Allstate Property & Casualty Insurance Company, & Allstate Fire & Casualty Insurance Company. However, you want to contact Allstate to confirm you are eligible for the guarantee if you are insured with these Allstate subsidiaries. These two Allstate subsidiaries are newer Allstate companies, with more sophisticated rating plans.
In many states, Allstate‘s oldest insurance subsidiary, Allstate Insurance Company, also offers standard auto insurance. It is not clear from the Allstate website if long time standard auto insurance customers insured with the Allstate Insurance Company subsidiary will have the guarantee, though stating all of Allstate‘s standard auto insurance policies in the states offering the program, indicates they should get it.
If you are insured with Allstate, how do you know if you are insured by a standard auto insurance policy?
If you have accidents or tickets, less than 3 years driving experience, claims, or a lapse in auto insurance coverage, or no continuous insurance history (where allowed by state law), you may not qualify for standard auto insurance, and may insure with a nonstandard auto insurance company.
In most states, Allstate‘s nonstandard auto insurance company is called Allstate Indemnity Company. If you are not insured with an Allstate standard auto insurance company, the claims satisfaction guarantee will not be available to you.
The best thing you can do, if you are insured with Allstate, regardless of the name of the Allstate insurance subsidiary insuring you, is contact the company or your agent to find out if the guarantee will apply to your auto insurance policy.
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You will know you have the claims satisfaction guarantee when Allstate mails a revised car insurance policy to you adding the claim satisfaction guarantee auto insurance endorsement, which will contain the terms & conditions of the guarantee.
Any paid auto insurance claim, occurring after the date the claim satisfaction guarantee endorsement was added to your auto insurance policy, will be eligible for the guarantee.
The key phrase in the above paragraph is “paid auto insurance claim.” If you are unhappy because your claim was denied, or not paid because it was less than your deductible, you cannot get the premium credit offered by the guarantee.
For example, if you forgot you had a $1,000 deductible for Collision coverage, and another driver rear ends you, causing damage costing $900 to repair, Allstate will not give you the policy credit under the guarantee, if you are unhappy Allstate did not cover the claim. Even if the at fault driver’s insurance company pays the claim, the guarantee does not apply unless Allstate pays you for the claim.
Here is the good news: the claim satisfaction guarantee for a paid auto claim can be for any reason, and Allstate does not have to validate or concur with your dissatisfaction.
For example, your car insurance claim may have been paid quickly and fairly, but if you were treated rudely by an Allstate employee during the claims settlement process, you can get the premium credit under the claims satisfaction guarantee.
Here is the really good news: the premium credit is substantial. You can get a credit up to the 6 month premium for the vehicle involved with the claim.
For example, you have one car and the 6 month auto insurance premium for the car is $350. Your car is involved in an accident, and Allstate pays the claim, but you are unhappy with how long it took for your car to get repaired, and the cost of your rental car was not covered. You can get $350 as a premium credit under the guarantee. Tomorrow, I will blog again & explain the credit in more detail.
In order to get the car insurance premium credit under the guarantee, you need to write and send a first class letter to Allstate expressing your dissatisfaction with the paid auto insurance claim. You need to write your name, address, claim number, date the claim occurred, your phone number, and the reason (it can be any reason) for your dissatisfaction with the claim. Allstate must receive notice within 180 days of the date the claim occurred.
This is Allstate’s current address where you must send the letter:
Allstate Insurance, CSG
PO Box 11904
Roanoake, VA
24022-9933
However, I know from experience, mailing addresses for insurance companies can change frequently. If you want to apply for the claim satisfaction guarantee credit, contact an Allstate agent to confirm you are eligible for the guarantee, and where to mail the written notice. I recommend delivering a copy to your Allstate agent, and keep a copy signed by your Allstate agent to confirm its receipt.
Here is the source of the information for this blog post. http://www.allstate.com/auto-insurance/claim-satisfaction-guarantee-terms.aspx. Check out the terms and conditions for your state.
Bookmark this blog post, because I will update it as the guarantee becomes available in more states.
What do you think about Allstate’s claim satisfaction guarantee? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.